Changes after the adjustment of Chengdu provident fund loan to buy second-hand housing policy
1. Determination of the price of re-traded houses: If the purchased re-traded houses apply for provident fund loans, if the transaction reference price is announced by the housing construction department, the lowest value among the online contract price, the housing evaluation price and the transaction reference price announced by the housing construction department will be used to determine the house value and calculate the loanable amount.
Two. Provisions on the down payment ratio of houses over 65,438+00 years old: The original provision that the minimum down payment ratio of purchased and re-traded houses over 65,438+00 years old is increased by 65,438+00% is cancelled.
Execution time: this notice will be implemented from July 20021and 15, subject to the loan acceptance time. If the original provisions are inconsistent with this notice, this notice shall prevail. Matters not involved are still implemented according to the original provisions.
The Significance of Policy Adjustment of Purchase of Second-hand Housing with Chengdu Provident Fund Loan
The adjustment of the loan policy for purchasing second-hand houses by Chengdu Provident Fund is to implement the decision-making arrangements of the CPC Central Committee and the State Council, and adhere to the positioning that "houses are for living, not for speculation". At the end of May, Chengdu Provident Fund Center made it clear that when purchasing a second-hand house to apply for a housing provident fund loan, the value of the house should be determined and the loanable amount should be calculated according to the lowest value of the online contract price confirmed by the housing construction department, the housing evaluation price and the transaction reference price announced by the housing construction department. Therefore, after the second batch of second-hand housing guidance prices in Chengdu came out, the Provident Fund Center issued a document stressing that. The second adjustment of 10-year-old re-trading house only relaxed the minimum down payment ratio of this kind of house, and had no influence on others.
In fact, since the regulation in March this year, the second-hand housing market in Chengdu has been slowing down. The average transaction price in Chengdu in June was 15008 yuan/m2, and in July it was about 14367 yuan/m2, down 4.3% from the previous month. Now it's almost halfway through July, and the number of second-hand houses has not reached thousands. 6 5438+05 After the adjustment of the loan policy for purchasing second-hand houses by Chengdu Provident Fund was officially implemented in July, the down payment pressure for purchasing second-hand houses increased, and it is estimated that more second-hand house buyers will turn to the new housing market.
For more details, please contact the sales department at 400-8 19-2059 ext. 1073.